⚙ Itinerary & Risk Configuration
Defines baseline domestic coverage boundary & foreign reciprocal entitlement.
Typical single trip policy ranges from $15 (annual German) to $150 (comprehensive US).
Pre-existing Medical Conditions
Prior cardiovascular, asthma, diabetes, or orthopedic injuries
📊 Actuarial Assessment & Verdict
Estimated Exposure Bracket
Catastrophic ($50,000 - $200,000+)
Uninsured hospital stay, scans & specialist billing
Reciprocal Healthcare Treaty
None (Private or out-of-pocket required)
Domestic coverage stops at home country borders
Premium vs. Maximum Loss Ratio
1 : 3,333
$45 policy hedges up to $150,000 risk
Estimated Repatriation Risk
Severe ($60,000 - $120,000)
Medical air transport with accompanying physician
Cost Asymmetry Comparison
"Coming from Japan, you're used to healthcare being affordable, predictable, and strictly price-regulated. Visit the US and end up in an ER for any reason, and one can be looking at bills in the tens or hundreds of thousands of dollars."
Assessment successfully exported as travel-risk-assessment.json & travel-risk-assessment.txt!